Payment gateway · India
Payment gateway price in India: 5 vendors' published plans (2026)
We read the pricing pages of 5 payment gateway vendors and recorded every plan that is published in rupees. The lowest paid figure we found is ₹6,999 per year for Instamojo Payments (Starter). Instamojo Payments also lists a ₹0 tier.
1 of these vendors quote at least one plan on annual billing, and 1 state that GST is extra — so compare the per-month figure only after checking the billing term, and add 18% GST where the page says prices exclude it.
Checked on vendors' official websites in September 2026. Nothing here is paid placement.
| Product | Plan | Price | Billing | GST | Source |
|---|---|---|---|---|---|
 PayUMade in India | 2% for Visa, Mastercard, Net Banking, BNPL, Wallets only domestic transactions 3% for Diners, American Express, EMI, International transactions | source | |||
 RazorpayMade in India | Platform fee 2.15% + GST (standard); 'Start accepting payments at just 2%' | source | |||
 Paytm Payment GatewayMade in India | Small Merchant UPI 0.00%; debit card 0.00% (for less than 2K) 1.99% (for more than 2K); other categories 1.99%-3.99% by category | source | |||
 Instamojo PaymentsMade in India | Lite | ₹0 per year | billed annually | + GST | source |
| Starter | ₹6,999 per year | billed annually | + GST | source | |
| Growth | ₹14,999 per year | billed annually | + GST | source | |
 PayPal | International transactions Where sender's market/region is Outside of India (IN) 4.40% + Fixed Fee | source | |||
Quotes are copied from the linked vendor pages. “Not stated” / “—” means the vendor does not publish it or we could not verify it.
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Payment gateway subscription cost in India
Your effective cost combines transaction fees across your payment mix, GST at 18% charged on those fees, instant settlement premiums, chargeback fees, refund processing charges, and any annual maintenance or add-on product fees. International payments may carry currency conversion markups. Look at your monthly statement, not the rate card, to understand what you actually pay.
Frequently asked questions
What is the cheapest payment gateway price in India?+
Among the 5 vendors whose pricing pages we checked in September 2026, the lowest published paid plan is Instamojo Payments Starter at ₹6,999 per year, billed annually. Check the vendor page before buying — prices change.
Are payment gateway prices in India inclusive of GST?+
Usually not. 1 of the 5 vendors here say their prices exclude GST; the rest do not say either way. SaaS subscriptions attract 18% GST, which a GST-registered business can generally claim back as input tax credit.
Why do some payment gateway vendors not publish prices?+
Vendors that sell mostly to larger companies often quote per deal, based on users, modules and implementation. Those products are not in this table; ask for a written quote that splits licence, implementation and support.